General Terms and Conditions

  1. Scope of Application, Definitions

The following General Terms and Conditions of METEORDIENST.COM apply to all contracts relating to loan brokerage or consulting. In addition, the pre-contractual information and initial customer information provided regarding loan brokerage apply.

“METEORDIENST.COM” hereinafter refers to METEOR FINANZAS SL, Calle Principe De Vergara, 58 Ver, 28006 Madrid, represented by Bernd Erich STOTZER, registered in the Commercial Register of the Madrid Local Court, IRUS: 1000266813665. 

“Client” refers to any natural or legal person who utilizes the brokerage and consulting services of METEORDIENST.COM.

METEORDIENST.COM and the Client are collectively referred to as the “Parties.”

  1. Services Provided by METEORDIENST.COM

METEORDIENST.COM is engaged to arrange a loan agreement for the Client in exchange for a fee or to demonstrate the opportunity to enter into a loan agreement.

Even though METEORDIENST.COM will fulfill the obligations under this contract diligently and conscientiously, no guarantee can be given for the successful brokerage of a loan or the disbursement of a loan. All advice and recommendations are provided to the best of our knowledge and belief in the course of our business as a prudent and honest merchant.

  1. Obligations of the Client

The Client is aware that successful loan brokerage also requires the Client’s cooperation and collaboration. Therefore, the Client agrees to provide METEORDIENST.COM with all information and documents necessary for the performance of this Agreement as quickly as possible, in full, and truthfully, at the Client’s own expense. This includes, among other things, documents regarding creditworthiness, the financed property, and the collateral to be provided. Within the scope of this contract, METEORDIENST.COM relies on the statements and the content of the Client’s documents and is not obligated to conduct its own investigations or to verify the accuracy of the Client’s information.

The Client warrants that they are acting in their own economic interest and not at the instigation of a third party, in particular not as a trustee.

The subsequent lender may impose its own terms and conditions for the financing—in particular regarding the collateral to be provided—which the Client must fulfill in order for the loan to be granted.

The Client shall immediately review all documents and information provided to him by METEORDIENST.COM and a potential lender for completeness and accuracy and notify METEORDIENST.COM of any errors.

  1. Compensation

Unless expressly agreed otherwise, METEORDIENST.COM does not receive any direct compensation from the Client for brokering the loan. Payment of the compensation is made by the subsequent lender. The amount of the compensation has not yet been determined. Details regarding the amount of the remuneration and the calculation methods are set forth in the pre-contractual information of the loan brokerage agreement and the loan agreement. The remuneration is exempt from value-added tax pursuant to Section 4(8) of the German Value-Added Tax Act (UStG).

  1. Sub-delegation

METEORDIENST.COM is entitled to commission third parties to fulfill the obligations under this contract in whole or in part and to involve them in the brokerage activities.

  1. Commencement and Termination of the Contract

The contract commences when the “Start Credit Pre-screening” button is clicked and is concluded for an indefinite period. Pursuant to Section 151 of the German Civil Code (BGB), the Client waives the right to receive a declaration of acceptance from METEORDIENST.COM.

The contract ends upon the conclusion of the loan agreement or upon the definitive failure of METEORDIENST.COM’s brokerage efforts, without requiring notice of termination. METEORDIENST.COM will inform the client via email of the failure of the brokerage efforts.

The contract may be terminated by either party with one month’s notice to the end of a calendar month. The right to terminate the contract extraordinarily for good cause remains unaffected.

  1. Liability

METEORDIENST.COM will perform all obligations under this Agreement with due diligence and care. No liability is assumed for breaches of duty resulting from slight negligence under this Agreement, unless such breaches relate to a violation of material contractual obligations, or to life, liberty, or health, or to guarantees assumed under the Agreement. Any liability is limited to the direct, foreseeable damage in each case.

METEORDIENST.COM shall not be liable for damages resulting from incorrect, incomplete, or delayed information provided by the client. The same applies to liability arising from incorrect, incomplete, or delayed information, product details, or loan terms provided by the lender, provided that such information does not give rise to any obligation on the part of METEORDIENST.COM.

METEORDIENST.COM assumes no warranty for the value of the financed asset. This has not been reviewed by METEORDIENST.COM, nor is such a review required.

  1. Statute of Limitations

Claims by the Client against METEORDIENST.COM are subject to a three-year statute of limitations from the termination of this Agreement. This does not apply to claims for damages resulting from injury to life, limb, or health, or to claims for damages caused by gross negligence or willful misconduct. In such cases, the statutory limitation periods apply.

  1. Data Protection and Credit Reports

The confidential handling of all personal and property-related data of the Client is of particular importance to METEORDIENST.COM. METEORDIENST.COM will under no circumstances make the Client’s data available to third parties, unless this is necessary for the performance of this contract or the Client has given their consent. The information regarding data transmission and processing, credit reports, and data protection applies in addition.

In the event that contact with the Client was established through a METEORDIENST.COM partner, the Client agrees that information regarding the performance of this contract may be transmitted to said partner for the purposes of billing and customer service.

  1. Powers of Attorney

The Client authorizes METEORDIENST.COM to obtain bank references and to forward the Client’s necessary documents to lenders or third parties engaged in connection with the performance of this Agreement, to solicit financing offers, and to receive correspondence related to the financing.

  1. Collateral Agreements

There are no deviating agreements between the parties outside of this contract. Amendments to this contract must be in writing to be effective. Any general terms and conditions of the Client are hereby rejected and shall not form part of this contract.

Should any provision of this contract be or become invalid, this shall not affect the validity of the remaining provisions of the contract.

The law of the Federal Republic of Germany applies exclusively. The language of the contract and communication is German.

The competent court for all disputes arising from this contract is the registered office of METEORDIENST.COM, provided that the Client is an entrepreneur within the meaning of Section 14 of the German Civil Code (BGB) or a legal entity under public law.

  1. Cancellation Policy

If the client is a consumer, they are entitled to the following statutory right of cancellation.

Section 1

Right of Withdrawal

You may withdraw from this contract within 14 days without giving any reason by means of a clear statement. The period begins after the contract is concluded and after you have received the terms of the contract, including the General Terms and Conditions, as well as all information listed below in Section 2, on a durable medium (e.g., letter, fax, email). To meet the withdrawal deadline, it is sufficient to send the withdrawal notice in a timely manner if the notice is provided on a durable medium. The withdrawal notice must be sent to:

METEOR FINANZAS SL, Calle Principe De Vergara, 58 Ver, 28006 Madrid,

Phone:  +34 666 50 93 65, Email: info@meteordienst.com

Section 2

Information Required for the Start of the Cancellation Period

The information referred to in Section 1, sentence 2, includes the following details:

  1. the identity of the business; the public business registry in which the legal entity is registered and the corresponding registration number or equivalent identifier must also be provided;
  2. the entrepreneur’s primary business activity and the regulatory authority responsible for his or her licensing;
  3. Regarding the address
  1. the address at which the business operator may be served with legal documents, and any other address relevant to the business relationship between the business operator and the consumer; in the case of legal entities, associations, or groups of persons, also the name of the authorized representative;
  2. any other address relevant to the business relationship between the consumer and a representative of the business operator or a person engaged in commercial activities other than the business operator, if the consumer has a business relationship with that person; in the case of legal entities, associations of persons, or groups of persons, also the name of the authorized representative;
  1. the key features of the financial service, as well as information on how the contract is concluded;
  2. the total price of the financial service, including all associated price components, as well as all taxes paid through the business operator; or, if an exact price cannot be specified, the basis for its calculation, which enables the consumer to verify the price;
  3. any additional costs that may apply, as well as a note regarding any other taxes or costs that are not paid by the business or billed by it;
  4. Details regarding payment and performance;
  5. whether or not a right of withdrawal exists, as well as the conditions and details for exercising that right—in particular, the name and address of the party to whom the withdrawal must be communicated—and the legal consequences of withdrawal, including information on the amount the consumer must pay for the goods or services provided in the event of withdrawal, if the consumer is obligated to pay compensation for lost value (underlying provision: Section 357a of the Civil Code);
  6. the minimum term of the contract, if it involves a continuous or regularly recurring service;
  7. the contractual termination conditions, including any contractual penalties;
  8. the Member States of the European Union whose laws the trader relies on when entering into a relationship with the consumer prior to the conclusion of the contract;
  9. a contractual clause regarding the law applicable to the contract or the competent court;
  10. the languages in which the terms and conditions of the contract and the prior information specified in this cancellation policy are provided, as well as the languages in which the business operator undertakes, with the consumer’s consent, to conduct communications during the term of this contract;
  11. a statement indicating whether the consumer may use an out-of-court complaint and redress procedure to which the business operator is subject, and, if applicable, the conditions for access to such a procedure.

Section 3

Consequences of Withdrawal

In the event of a valid withdrawal, the services received by both parties must be returned. You are obligated to pay compensation for the service provided up to the time of withdrawal if you were informed of this legal consequence prior to submitting your contractual declaration and expressly agreed that performance of the consideration could begin before the end of the withdrawal period. If there is an obligation to pay compensation for lost value, this may mean that you must still fulfill the contractual payment obligations for the period up to the withdrawal. Your right of withdrawal expires prematurely if the contract has been fully performed by both parties at your express request before you have exercised your right of withdrawal. Obligations to refund payments must be fulfilled within 30 days. This period begins for you upon sending your notice of withdrawal, and for us upon its receipt.